Shriram Bike Insurance FAQs

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  • 1. Is there a rise in premium if I claim?

    The change in premium amount does not depend solely on claims. It also depends on other factors like the model of the vehicle, the nature of the policy, etc.

  • 2. How do I claim under a Shriram General Two- Wheeler Insurance?

    You need to visit the website ( of Shriram General Two- Wheeler Insurance to avail of the claim form and the detailed list of cashless garages is also found on the website.

  • 3. Are Add-ons available with the Two-wheeler insurance plans?

    Yes, add-ons are available with the two-wheeler insurance plans like Engine Protector, 
Nil Depreciation, Consumables, Return to Invoice, Roadside Assistance Cover, etc.

  • 4. What is the Incurred Claim Ratio for Shriram General Insurance Two-Wheeler Policy?

    The incurred claim ratio for motor insurance claims under Shriram Two-Wheeler Insurance is 94.56%. It is the motor ICR, not the total ICR.


  • 1. How can I renew my two-wheeler insurance at Shriram Insurance?

    Shriram Insurance allows you to renew the insurance policy via both offline and online procedures. 

  • 2. Can I check my Shriram two-wheeler insurance renewal status online?

    Visit the Shriram Insurance website and check the insurance renewal status in a few seconds.

  • 3. Can I change my insurance provider at the time of Shriram bike policy renewal?

    Yes, you can conveniently change your insurance provider at the time of policy renewal. At Shriram Insurance, it’s a quick process. 

  • 4. Is it safe to renew my Shriram bike insurance policy online?

    Yes, Shriram Insurance company provides a safe and secure online option to renew the insurance policy online. 


  • 1. Can I claim Shriram two wheeler insurance online?

    Yes, you can visit the company’s website and find the online application process under the claim section.

  • 2. Do I need to transfer the vehicle certification to Shriram Insurance in case of a two-wheeler claim due to theft?

    Yes, if the insured's bike was stolen, you must have the registration certificate moved to the company's name, hand over the keys of the vehicle, and file a letter of subrogation and indemnity on stamp paper that has been notarized.

  • 3. How can I find the nearest Shriram Insurance branch to claim two-wheeler insurance?

    You can use the "Branch Locator" on Shriram General Insurance's official website to identify the nearest branch or call their toll-free lines 1800-300-30000 and 1800-103-3009 for assistance.

  • 4. What if I don’t file any claim during my Shriram two-wheeler insurance policy period?

    The policyholder will be eligible for no-claim bonus (NCB) discount on the policy's comprehensive or own-damage premium at renewal if no claims are submitted during the whole term of the policy.

Policy Download

  • 1. What happens if my Shriram two-wheeler document is not original?

    You may be fined, you may face legal consequences, and bike insurance claims will also be denied in the future. Thus, to avoid such a situation, it is always recommended to buy/purchase insurance either directly from the insurer or a reliable agent. 

  • 2. Do I need to pay charges to Shriram company to download policy documents?

    Shriram company allows the insurance holders to download policy documents online, which requires no charges.

  • 3. How long does it take to make modifications to the insurance policy document at Shriram Insurance?

    The time limit of policy alteration depends on the policy type, which can take up to 7 days.

  • 4. Do I need to change the address every time in the Shriram policy document whenever I change my rental home?

    You must mention the current address where the bike is being used. Because premiums range between high-risk and low-risk locales, insurance coverage is determined by the vehicle's location.

  • 5. What happens if I don't update details like residential address in my Shriram bike policy document?

    If you do not update your insurance plan's address, your claims may be denied, and you may not receive adequate reimbursement.

Add On Covers

  • 1. What does add-on mean in Shriram two-wheeler insurance?

    Add-on covers in two-wheeler insurance refer to additional coverage that can enhance the coverage of a regular policy for an additional fee. Zero depreciation coverage, roadside assistance coverage, are a few examples.

  • 2. How many add-ons can I purchase with a single Shriram bike insurance policy?

    The number of add-ons that you can purchase with a bike insurance policy is unlimited. You can customize your policy with as many add-ons as you want.

  • 3. Are add-on covers necessary for Shriram two-wheeler insurance?

    Bike insurance add-ons are not necessary, but they are recommended because they enhance the coverage of your ordinary insurance policy.

  • 4. What factors should I consider before buying Shriram two-wheeler insurance add-on?

    Before buying the policy, you should understand the features, coverage, and premium amount of a bike insurance add-on.


  • 1. How does a Shriram two-wheeler comprehensive insurance differ from third-party insurance?

    A comprehensive two-wheeler insurance policy covers both, third-party as well as own damages. Whereas, third-party insurance only covers third-party liabilities.

  • 2. What are the documents required to buy Shriram two-wheeler comprehensive insurance?

    Documents proving identity, documents proving your address, (passport, government-issued address proof, bank or post office passbook).  Copy of DL and RC. A recent passport-sized photograph is required. 

  • 3. Can I make payment for Shriram two-wheeler comprehensive insurance online?

    Yes, it is completely safe and simple to pay the insurance cost and premium of Shriram two-wheeler comprehensive insurance online.

  • 4. How can I calculate the premium of my Shriram comprehensive two-wheeler insurance?

    You can use the Shriram premium calculator to calculate accurate premium amounts.

  • 5. Is the no claim bonus facility available under the Shriram comprehensive bike insurance policy?

    Yes, the comprehensive two-wheeler insurance policy allows you to enjoy a no-claim bonus if you don’t claim during your policy tenure.


  • 1. What is the basic difference between Shriram two-wheeler insurance and comprehensive insurance?

    As a basic difference, we can mention that Shriram third-party two-wheeler insurance only covers the liability of a third-party individual whereas comprehensive policy covers both own damages as well as third-party liabilities.

  • 2. Can Shriram third-party insurance allow me to buy add-ons?

    No, Shriram third-party bike insurance insurance doesn’t allow you to buy add-on covers.


  • 3. How can I get NCB on Shriram third-party bike Insurance?

    You cannot get NCB benefits with a third-party bike insurance policy.

  • 4. Is it mandatory to have third-party insurance for a two-wheeler in India?

    Yes, third-party bike insurance is mandatory under the Motor Vehicles Act of India.

  • 5. What is the amount of maximum compensation of Shriram Third Party Two Wheeler Insurance?

    The maximum compensation in case of third-party property damage is up to INR 7.5 lakh, but in case of third-party death there is no fixed compensation as the same will be decided by the Court of Law.

Zero Depreciation

  • 1. I have a 5-year-old bike. Can I apply for Shriram zero depreciation two-wheeler insurance?

    Yes, bikes under the age of 5 years are covered by Shriram’s zero depreciation policy.

  • 2. Can I get a no-claim bonus on Shriram zero depreciation two-wheeler insurance?

    Definitely, the no-claim bonus is allowed on zero depreciation insurance, but the condition is that the previous year must be a claim-free one.

  • 3. Do I need to pay a premium for the Shriram two-wheeler zero depreciation policy separately?

    A premium for zero depreciation add-on coverage should be with the basic premium. The payment, however, is not paid separately. All of the fees are included in the overall premium for auto insurance coverage.


  • 4. Can I buy Shriram two-wheeler zero depreciation policy online?

    Yes, you can buy the policy, pay the premium, and do other processes online at Shriram Insurance.

  • 5. Can I include the Shriram zero depreciation add-on after buying the policy?

    You may add zero depreciation coverage to your basic auto insurance policy at any time, whether you're buying a new policy or renewing an existing one.

Own Damage

  • 1. What damages are covered in the Shriram two-wheeler insurance policy?

    Accidental damages, damages caused by transit, theft or vandalism, natural calamities, and man-made disasters are all covered under a standalone own-damage policy.

  • 2. How can I calculate the premium on the Shriram two-wheeler insurance policy?

    The Shriram premium calculator makes determining your policy premium straightforward. Use this online financial tool to organize all of your financial information.

  • 3. Is it mandatory by law to buy a Shriram two-wheeler standalone insurance policy?

    No, standalone two-wheeler insurance is optional; nevertheless, third-party two-wheeler insurance is required under the Motor Vehicles Act of 1988.

  • 4. Will my Shriram two-wheeler standalone insurance policy have accidental losses?

    Yes, Shiram’s two-wheeler insurance policy will pay such losses in case of covered insured bike.

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